Investar Holding (ISTR)
NASDAQ:ISTR
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Investar Holding
(NASDAQ:ISTR)
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Rating:74Outperform
Price Target:
$32.00
â–²(14.53% Upside)
Action:Reiterated
Date:05/23/26
Overall score reflects improving financial performance (re-accelerating revenue, expanding margins/ROE, and stronger free cash flow) and supportive technicals (trading above major moving averages with positive momentum). Valuation is a key positive with a low P/E, while balance-sheet/earnings volatility and potential dilution considerations from the expanded incentive plan temper the score.
Positive Factors
Revenue rebound and improving margins
A durable revenue rebound and higher margins indicate stronger core franchise economics and pricing or mix improvement. Sustained TTM EBIT margin (~17.6%) and rising ROE suggest the company can generate higher operating profits on its capital base, supporting reinvestment and shareholder returns over the medium term.
Negative Factors
Historical leverage spike risk
A history of materially higher leverage shows the balance sheet can deteriorate quickly under stress, raising funding, liquidity, and capital adequacy risks. This structural volatility reduces financial flexibility, can increase funding costs, and limits the company's ability to pursue opportunistic investments during downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue rebound and improving margins
A durable revenue rebound and higher margins indicate stronger core franchise economics and pricing or mix improvement. Sustained TTM EBIT margin (~17.6%) and rising ROE suggest the company can generate higher operating profits on its capital base, supporting reinvestment and shareholder returns over the medium term.
Read all positive factors
Investar Holding Key Performance Indicators (KPIs)
Any
Loan Portfolio By Type
Analyzes the composition of loans by type, providing insights into the company's lending strategy, risk exposure, and potential for interest income growth.
Analyzes the composition of loans by type, providing insights into the company's lending strategy, risk exposure, and potential for interest income growth.
Data provided by:
The Fly
The FlyInvestar Holding (ISTR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$393.12M
Dividend Yield1.57%
Average Volume (3M)37.74K
Price to Earnings (P/E)7.8
Beta (1Y)0.88
Revenue Growth10.89%
EPS Growth8.85%
CountryUS
Employees329
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.42
Shares Outstanding13,793,585
10 Day Avg. Volume35,828
30 Day Avg. Volume37,740
Financial Highlights & Ratios
PEG Ratio1.48
Price to Book (P/B)0.87
Price to Sales (P/S)1.71
P/FCF Ratio15.61
Enterprise Value/Market Cap1.08
Enterprise Value/Revenue2.49
Enterprise Value/Gross Profit4.14
Enterprise Value/Ebitda12.70
Forecast
1Y Price Target
$31.50Price Target Upside12.74% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.1
Revenue Forecast (FY)$150.10M
Investar Holding Business Overview & Revenue Model
Company Description
Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals and small to medium-sized businesses in South Louisiana. The company offers various deposit pro...
How the Company Makes Money
null...
Investar Holding Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
66
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 170.24M | 153.49M | 156.52M | 141.06M | 123.18M | 107.99M |
| Gross Profit | 102.27M | 93.56M | 85.89M | 84.38M | 105.47M | 73.38M |
| EBITDA | 33.33M | 30.60M | 27.50M | 24.21M | 48.78M | 14.90M |
| Net Income | 28.64M | 22.90M | 20.25M | 16.68M | 35.71M | 8.00M |
Balance Sheet | ||||||
| Total Assets | 3.88B | 2.83B | 2.72B | 2.82B | 2.75B | 2.51B |
| Cash, Cash Equivalents and Short-Term Investments | 543.70M | 397.22M | 34.12M | 393.93M | 445.23M | 452.05M |
| Total Debt | 194.16M | 152.75M | 101.02M | 85.08M | 439.74M | 135.66M |
| Total Liabilities | 3.46B | 2.53B | 2.48B | 2.59B | 2.54B | 2.27B |
| Stockholders Equity | 414.63M | 301.07M | 241.30M | 226.77M | 215.78M | 242.60M |
Cash Flow | ||||||
| Free Cash Flow | 21.86M | 16.83M | 15.42M | 25.18M | 41.69M | 30.16M |
| Operating Cash Flow | 23.68M | 18.22M | 15.93M | 26.25M | 42.75M | 33.48M |
| Investing Cash Flow | 55.89M | -83.91M | 90.06M | -73.49M | -350.99M | 53.40M |
| Financing Cash Flow | -43.48M | 79.27M | -110.08M | 38.99M | 251.46M | -25.21M |
Investar Holding Technical Analysis
Positive
27.94
Price Trends
27.76
Positive
27.92
Positive
25.75
Positive
Market Momentum
0.07
Negative
57.04
Neutral
70.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ISTR, the sentiment is Positive. The current price of 27.94 is below the 20-day moving average (MA) of 28.01, above the 50-day MA of 27.76, and above the 200-day MA of 25.75, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 57.04 is Neutral, neither overbought nor oversold. The STOCH value of 70.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ISTR.
Investar Holding Risk Analysis
Investar Holding disclosed 39 risk factors in its most recent earnings report. Investar Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Investar Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $242.01M | 8.91 | 12.61% | 2.38% | 6.69% | 11.73% | |
74 Outperform | $393.12M | 7.76 | 9.04% | 1.57% | 10.89% | 8.85% | |
72 Outperform | $282.36M | 12.61 | 11.99% | 1.99% | 6.08% | -2.72% | |
69 Neutral | $281.65M | 10.66 | 9.25% | 0.87% | 4.74% | 24.29% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $323.89M | 18.07 | 10.43% | 4.21% | 37.90% | 2989.42% |
* Financial Sector Average
ISTR
Investar Holding
28.56
10.18
55.42%
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Investar Holding Corporate Events
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Investar Holding Shareholders Approve Expanded Long-Term Incentive Plan
Positive
May 22, 2026
At Investar Holding Corporation’s 2026 Annual Meeting of Shareholders on May 20, 2026, investors approved the Second Amended and Restated 2017 Long-Term Incentive Compensation Plan, which authorizes up to 1,800,000 shares of common stock for...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.